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Winery & Vineyard Insurance

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Winery & Vineyard Insurance Provided By Our Agency

Owning and operating a winery can be just as complex as your boldest reds. And in your line of work, you face a lot more risks than you may know — from the grape growing and harvesting to balancing the books to the legal liabilities that come with serving alcohol.
The best way to properly protect your business and all that flows from it is with a blend of several different business insurance policies and endorsements, working together.

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General liability

Crop coverage

Commercial Auto

Business Interruption

Equipment breakdown

General liability coverage

Risk Factors

Your winery could be responsible for all related damages and expenses if a customer is injured while on your business premises.

Solution

General liability coverage protects you from unexpected events, hazards, problems, and accidents. It’s imperative if your winery offers public tours and tasting events.

Crop coverage

Risk Factors

Without viable grapes, you can’t make wine. Wineries need crop insurance for the costs of crop damage due to weather, vine infections, insect infestations, fires, floods, and other potential hazards.

Solution

Crop coverage will cover all your above perils. However, You may need to purchase additional earthquake coverage if you live in an area where it’s necessary.

Commercial auto coverage

Risk Factors

You need commercial auto coverage if your winery uses personal, company, or rented vehicles for business purposes.

Solution

Maybe you deliver products, visit customers to assist their needs or travel to industry events. Commercial auto insurance can take care of the vehicle damages and related medical expenses if you or any of your employees are involved in an auto accident.

Business Interruption coverage

Risk Factors

Business interruption insurance is essential when it may take some time before a business can get back to business. This can be a result of unexpected events like fire.

Solution

Buildings may be unsafe, employees may be unsafe, or even property or equipment may need to be repaired. In situations outside of your control, business interruption insurance is crucial for the business.

Equipment breakdown Coverage

Risk Factors

You can face a sudden breakdown of your equipment which halts your wine production. This can reduce the supply and incur a loss.

Solution

Wineries need equipment breakdown coverage to protect against costs associated with the sudden and accidental breakdown of machinery and equipment. It pays to repair or replace the equipment, as well as any business interruption costs that accompany it.

Common risks Wineries & Vineyards face

Wineries and vineyards are complicated businesses that can come with big rewards and no shortage of risks. You wear many hats in order to run your business—from farmer, to scientist, to marketer, and many more—yet so many things are simply out of your control.

You need winery insurance to protect you from the financial losses that can accompany damaged crops, spoiled wine, lawsuits, and other unforeseen events that can cost you everything.

Even a small winery must insure every step of the winemaking process. As you grow, harvest, ferment, bottle, and sell your wines, one unexpected problem can destroy your thriving business overnight.

Biggest risk concerns Wineries & Vineyards face

Guests on your property or at an event, slip, and fall
Guests damage or destroy grapes, wine, or equipment
Grapes are crushed in transit
Leakage, spillage, or accidental mixing destroys wine in the process
Insecticides used on grape crops drift onto neighboring properties
Contamination and product recalls
Winemaking equipment or agricultural equipment breakdown
Extreme weather or natural disasters
Wildfires, insect infestation, and plant diseases

Even stored wine just sitting in the cellar comes with its own risks, like:

Spillage or leakage
Fire
Theft or vandalism
Utility or refrigeration outages
Supply chain or logistics problems and delays
Transportation and trucking exposures, from poorly trained drivers, to accidents and truck refrigeration breakdown

Why You May Need Winery & Vineyard Insurance

To fully protect your winery, you’ll need a customized package of property, liability, automobile, crime, liquor liability, and other policies — a little of this, some of that, and so on.

Some coverages to be considered

Property
Umbrella & Excess Casualty
Workers Compensation
Accident & Health Solutions
Crime/Financial Fidelity
Cyber
Builder’s Risk
Commercial Auto
Commercial Package (CMP)
Environmental
Equipment Breakdown
Marine
Directors & Officers Liability
Employment Practices Liability
Errors & Omissions Liability
Fiduciary Liability
Kidnap Ransom & Extortion
Media Liability

Our team can help you understand the unique risks and needs of your winery business and help find the right combination of coverage.

Don’t wait until you file a claim to find out if you have the proper insurance protection for your winery or vineyard. Talk to us today to know how to keep your winery protected!

Already have Winery & Vineyard Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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